Are you planning your retirement, or want advice on mortgage services. Or maybe you are thinking about investing or you want to protect the assets your already have... you have come to the right place.
Do you run a business? Are employee benefits eating up all your time? Let us help... we have over 15 years of experience advising in all areas of employee benefits.
On 6th April 2010 the minimum age at which retirement benefits may be drawn rises from the current age of 50 to 55. Anyone reaching their 50th birthday before this date has two options:
The Daily Telegraph, The Independent and The Financial Times all ran articles last week highlighting some recent analysis of UK Pension Funds. The research, by How much do I need to retire?, covered the past 10 years and highlighted the following as the perennial underperformers:
Abbey Equity, Friends Provident UK Equity, Scottish Life Managed, Clerical Medical Balanced and Phoenix Life Exempt Managed.
These were dubbed the strangely titled ‘Top 5′ worst performing funds over the period, closely followed by funds managed by HSBC Life, Lincoln, Lloyds TSB and Barclays Life.
Funding for long term care is an issue which has long been viewed by many as unfair with over 40% of current care home residents meeting their entire costs from personal income and capital. Expectations placed upon those with assets of £23,000 or more are considered wholly unreasonable by many and practices can vary from region to region in England.
Summary of the current system
The Department of Health published its Green Paper on 14th July 2009 outlining its proposals for a new care and support system which is fair, simple and affordable for everyone, read on for a brief summary. If funding for care at home or in a care or nursing home may be an issue for you or your family, speak to EBS for professional, independent financial advice. Read the rest of this entry »
Writing a will is important for many reasons though the majority of adults do not have one. The most common reason for not having one is that most of us ’simply haven’t got round to doing it’. EBS is able to make referrals to local solicitors and national Will Writers and Estate Planning Practitioners. A simple, single will can be arranged from as little as £90 + vat. If letting us take care of the arrangements is still not enough and you want to know more about the importance of creating a will, read on… Read the rest of this entry »
